Towards a plural history of microfinance

Abstract

This article reviews different ways of telling the history of microfinance. We first contrast a mainstream and mostly positive narrative with a radical critique, illustrating differences with reference to India. We then argue for a more inductive and plural account, drawing on a set of doctoral research studies to illustrate variation in microfinance experience according to social relations among users, organisational culture of suppliers and the political economy of regulation. A global narrative of movement towards total financial inclusion will not do justice to this diversity, nor should the history of microfinance be dominated by one overarching global perspective.

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